The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,824
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,005
−HK$184/mo
Today · 4.125%
HK$6,189
baseline
▲ 0.50% · 4.625%
HK$6,565
+HK$376/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,378/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,479
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,652
−HK$177/mo
Today · 4.125%
HK$6,829
baseline
▲ 0.50% · 4.625%
HK$7,189
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,658/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,988
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,206
−HK$220/mo
Today · 4.125%
HK$7,426
baseline
▲ 0.50% · 4.625%
HK$7,878
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,852/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,774
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,983
−HK$211/mo
Today · 4.125%
HK$8,194
baseline
▲ 0.50% · 4.625%
HK$8,626
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,388/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,153
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,407
−HK$257/mo
Today · 4.125%
HK$8,664
baseline
▲ 0.50% · 4.625%
HK$9,191
+HK$527/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$17,328/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,070
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,313
−HK$247/mo
Today · 4.125%
HK$9,560
baseline
▲ 0.50% · 4.625%
HK$10,064
+HK$504/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$19,120/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,482
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,808
−HK$332/mo
Today · 4.125%
HK$11,140
baseline
▲ 0.50% · 4.625%
HK$11,818
+HK$678/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$22,280/mo (50% DSR)
Upfront cash ≈ HK$255K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,662
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,974
−HK$318/mo
Today · 4.125%
HK$12,292
baseline
▲ 0.50% · 4.625%
HK$12,939
+HK$647/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$24,584/mo (50% DSR)
Upfront cash ≈ HK$255K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).